We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict
, this post may contain references to products from our partners. Here’s an explanation for
Editorial Integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How We Make Money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Which bank should I choose?
Get personalized bank recommendations in 3 easy steps.
Simple ways to cut medical insurance bills
A lot of companies offer wellness programs to their employees to help them lower their medical insurance costs. These programs can save companies hundreds of thousands of dollars in health care costs. And wellness programs can reduce employees’ medical insurance costs, too.
These programs generally begin with a health risk assessment. The purpose of this is to evaluate an employee’s lifestyle and their risk of developing a chronic illness.
Cheaper, better, healthier
Companies usually give their employees an incentive to participate in the assessment. For instance, the company might offer lower medical insurance premiums. Conversely, not participating in the assessment could result in higher premiums or denial of access to a cheaper, better medical insurance plan.
Wellness programs can include weight-loss plans, nutrition coaching and smoking-cessation programs. Companies are encouraged to give health risk screenings annually to track progress. They are also encouraged to reward employees just for participating, even if they don’t have success with the program.
Employees’ families can get involved in some of these programs. That’s because sick families can hurt productivity and lead to absenteeism. Companies send out notifications to their workers’ homes to try to get their families involved in wellness programs.
Other ways to save
You can get prescription medications at a greatly reduced cost or no cost by enrolling in a patient assistance program. You will find information about these programs from the Partnership for Prescription Assistance. Talk to your doctor or drug manufacturers directly to find out more about reducing health care costs.
If your medical insurance plan doesn’t have much prescription coverage or leaves you with some big out-of-pocket costs, you should consider enrolling in one of these programs.
The same can be said for dental care. Maybe your medical insurance doesn’t provide much coverage in that area. You can trim costs by going to a dental school for care. The quality of care is similar to what you would get at a large dental clinic.
Be warned: Things will take longer because everything has to be checked by an instructor. A filling that would take an hour at a clinic might take three at a school.
Share